The Good 👍
Simple, Efficient Process
No Additional Fees or Charges
Supportive and Friendly
The Bad 👎
No Online Chat Option
Company Focused On Support So Be Prepared To Spend Time With Their Representatives
Pacific National Funding cares passionately about delivering the right product and providing the best support for their customers. Their customer representatives were so polite and helpful; it almost felt like you were talking to an older brother or sister, such was their passion. In our case, we felt very relaxed and enjoyed the process, so this was a huge positive. Although the company appears initially to conduct their business online, everything of substance is performed via the telephone, as there is no online chat facility. For anyone who does not enjoy talking to people, and prefers the less personal option of online chat, Pacific National may not be the best choice.
Pacific National Funding is a company that does everything by the book. They follow all of the FTC recommendations, meaning that for example, they do not charge advanced fees for early payment. Their business ethos is about supporting their customers, and ensuring that they receive the right advice and products. There is never any aspect of a hard sell, in fact, we are convinced that if they felt their products were not the best option for your situation, that they would direct you to a different company. That is the level of care and support they offer, which really inspires confidence and puts you naturally at ease. It is also essential to understand that your creditors are under no obligation to negotiate the debt, and so there is still a chance that they will continue to contact you during the process. Although there is nothing that Pacific National can do to stop this, their friendly customer service team are a good source of information in these situations.
Well Laid Out Informative Website
Pacific National has designed and developed their website to be very people friendly. Rather than use industry terminology that members of the general public might not understand, they use simple everyday language to explain everything. This extends to the application process, which is as simple as any we have ever seen. Applicants only have to answer a few simple questions to get the process started, which is almost revolutionary compared to some of the competition.
No Additional Fees or Charges
Although the company clearly invests a lot of time in staff training and education, there are no additional fees payable by their customers. Other companies charge management fees or consultation fees, all of which can add significant cost to the loan, but Pacific National has chosen not to implement these types of charges, which ensures that their costs are at the lower end of the scale.
Amazing Customer Service Experience
Every interaction we had with the staff at Pacific National Funding was pleasant, informative, and efficient. Every customer is given their own advisor, and this enables rapport to be built and saves a lot of wasted time repeating information. They were able to answer every question that we had, and perhaps just as importantly, we didn’t feel ashamed or embarrassed to ask any question either. It is difficult to place a value on this type of support, but looking back, following completion of the process, we probably valued this aspect of the service over everything else.
The Bad 👎
No Online Chat Facility
Pacific National Funding does not have an online chat facility, and upon speaking to our representative, they are unlikely ever to offer this as an option. In their opinion, this goes against the ethos of the company. They want to deliver the best most personalized customer service experience, and in their view, an online chat facility does nothing to achieve or deliver this type of goal. While it is true that typed text can easily be misunderstood, and we understand their argument, we cannot help but feel that they are certain customers who would really benefit from the outstanding support and guidance provided by Pacific National. Consequently, these customers may never make that initial contact, due to there being no online chat facility. Perhaps they should offer it just to initiate a conversation, before switching the person over to a phone call.
The Process Is Quick But Interactions With Their Customer Service Representatives Can Be Lengthy
We feel guilty classing this as a negative, because in many ways, it is also a huge positive, as we have alluded to above. The application process and delivery of the funds is quick and efficient. However, because the company ethos is so focused on delivering the best product for their clients, their customer representatives invest a lot of time and effort into every conversation. Although this is highly commendable, it is something that you need to take into consideration when choosing a company. We believe that it is better to invest the time and get all of the answers before committing to a company, and in our case, we were really impressed with Pacific National Funding, but for anyone who wants to read the facts, and make a quick decision on their own, there may be better alternatives.
Pacific National Funding offers an efficient, friendly, cost-effective solution to debt reduction. They are thorough, professional, and totally focused on delivering the best service and advice to their customers. Their charges are fair and competitive, and as a company, they are very open and transparent. Their procedures may be too drawn out for some people, but that is purely because they are so focused on helping their customers, which is very commendable. In our opinion, Pacific National is one of the best providers of debt reduction solutions and should be high on your list of potential companies.
Pacific National Funding
Name: Pacific National Funding
Description: You need a loan now, you need it approved quickly, and you don't have time for the hassle and stress of visiting your traditional bank and filling in numerous forms. Pacific National understands your situation and designed our loan packages to solve all of those problems.
Price range: $3500-$10,000
Payment accepted: ACH
Currencies accepted: USD
Address: 101 S Reid St., Sioux Falls, SD 57103-7045